Optima Plus Plan

“Good things come in small packages.” – Apollo Munich Optima Plus stands true to this adage as it covers high medical expenditures at nominal premium.

Apollo Munich Optima Plus is a unique top-up health plan with the concept of deductible i.e. cost-sharing among the policyholder and insurer. Optima Plus policyholder also has an option to convert it into a full-fledged health insurance plan without any deductible on retirement, after which the company will be liable to pay for all the admissible expenses.

*Deductible refers to the amount of money that the insured would need to pay for his medical expenses on the occurrence of hospitalisation before any benefits from his health insurance policy can be used.

The policy can be taken for self, spouse, dependent children and dependent parents.

Benefit of converting into a full-fledged nil deductible plan:

No waiting period (whether it’s the initial 30 days or 2 years for specific diseases or pre-existing conditions). No need to buy a new health insurance plan with long waiting periods and restrictions after your group health insurance plan ceases.

Waiver of deductible is allowed under full-fledged plan and one is covered from the first rupee.